Savings accounts, checking accounts, CDs (U.S.), GICs (Canada), and money market accounts (U.S.) each offer very different interest rates in return for different deposit amount and deposit term commitments. There is typically a tradeoff between deposit terms and interest rates. Committing to a longer term will often earn you a higher rate. Keeping your funds more liquid will generally mean you have to settle for a lower rate. Similarly, checking accounts usually have fewer restrictions, such limiting the number of withdrawals per month, than other account types such as money market accounts, and therefore generally have a lower interest rate. Because of these tradeoffs between liquidity and yield, Pareto ranking is often helpful and is selected by default below.